Buy Cheap Somerset, KY Auto Insurance in 2024
Somerset, KY auto insurance rates average $380 a month. Minimum auto insurance requirements in Somerset, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Somerset, KY, compare Somerset auto insurance quotes from top companies.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Somerset after a DUI is Allstate
- Average auto insurance rates in Somerset, KY after a DUI are $5,496/year
- Average auto insurance rates in Somerset, KY for teens drivers are $8,975/year
Finding affordable Somerset, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Somerset, KY auto insurance with confidence is right here. Auto insurance rates in Somerset are affected by local factors as well as personal ones like your driving record.
See how Somerset, KY car insurance rates compare to Frankfort auto insurance rates, Covington auto insurance rates, and Independence auto insurance rates before you read more about the cost of auto insurance in Somerset.
Don’t buy Somerset, KY auto insurance until you’ve compared rates. Get free Somerset, Kentucky auto insurance quotes when you enter your ZIP code above.
Somerset, KY Minimum Auto Insurance Requirements
The required auto insurance in Somerset, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Somerset, Kentucky is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Somerset, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Somerset, KY. Take a look at Somerset, Kentucky auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,133 | $6,292 | $5,236 |
| Geico | $7,842 | $3,915 | $2,550 |
| Liberty Mutual | $5,962 | $3,682 | $2,914 |
| Nationwide | $6,028 | $4,724 | $4,097 |
| Progressive | $5,414 | $4,734 | $4,417 |
| State Farm | $4,555 | $2,787 | $2,195 |
| Travelers | $5,210 | $4,409 | $4,391 |
| USAA | $4,486 | $2,524 | $2,058 |
Buy Cheap Somerset, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Somerset, Kentucky auto insurance rates? Find out how car insurance rates in Somerset, KY are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,906 | $3,865 | $3,502 | $3,741 | $14,652 | $16,425 | $4,365 | $4,640 |
| Geico | $3,825 | $3,540 | $4,003 | $3,626 | $7,942 | $9,404 | $3,123 | $2,691 |
| Liberty Mutual | $2,386 | $2,580 | $2,088 | $2,320 | $9,143 | $10,029 | $2,455 | $2,488 |
| Nationwide | $3,534 | $3,521 | $3,188 | $3,325 | $7,948 | $9,875 | $4,012 | $4,192 |
| Progressive | $2,308 | $2,188 | $2,080 | $2,085 | $11,447 | $12,958 | $2,862 | $2,914 |
| State Farm | $2,045 | $2,045 | $1,828 | $1,828 | $5,694 | $7,222 | $2,269 | $2,504 |
| Travelers | $2,027 | $2,065 | $1,983 | $1,990 | $9,496 | $15,239 | $2,112 | $2,447 |
| USAA | $2,006 | $2,002 | $1,814 | $1,835 | $5,478 | $5,754 | $2,530 | $2,762 |
Buy Cheap Somerset, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Somerset can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Somerset, KY are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,652 | $16,425 |
| Geico | $7,942 | $9,404 |
| Liberty Mutual | $9,143 | $10,029 |
| Nationwide | $7,948 | $9,875 |
| Progressive | $11,447 | $12,958 |
| State Farm | $5,694 | $7,222 |
| Travelers | $9,496 | $15,239 |
| USAA | $5,478 | $5,754 |
Buy Cheap Somerset, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Somerset, Kentucky by comparing Somerset senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Somerset, KY here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,502 | $3,741 |
| Geico | $4,003 | $3,626 |
| Liberty Mutual | $2,088 | $2,320 |
| Nationwide | $3,188 | $3,325 |
| Progressive | $2,080 | $2,085 |
| State Farm | $1,828 | $1,828 |
| Travelers | $1,983 | $1,990 |
| USAA | $1,814 | $1,835 |
Find Cheap Auto Insurance Rates in Somerset, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Somerset, Kentucky auto insurance. Compare Somerset, KY auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,480 | $6,864 | $7,316 |
| Geico | $4,439 | $4,761 | $5,108 |
| Liberty Mutual | $3,952 | $4,152 | $4,455 |
| Nationwide | $5,017 | $4,889 | $4,942 |
| Progressive | $4,446 | $4,784 | $5,335 |
| State Farm | $2,946 | $3,166 | $3,426 |
| Travelers | $4,430 | $4,690 | $4,890 |
| USAA | $2,881 | $3,016 | $3,171 |
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Find Cheap Somerset, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Somerset. Compare auto insurance rates in Somerset, KY by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,887 | $6,887 |
| Geico | $4,724 | $4,814 |
| Liberty Mutual | $4,186 | $4,186 |
| Nationwide | $4,949 | $4,949 |
| Progressive | $4,855 | $4,855 |
| State Farm | $3,102 | $3,257 |
| Travelers | $4,670 | $4,670 |
| USAA | $2,911 | $3,134 |
Find Cheap Somerset, KY Auto Insurance Rates by ZIP Code
Auto insurance rates in Somerset, Kentucky can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Somerset, KY to see how much where you live in Somerset affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 42501 | $4,070 |
| 42503 | $4,070 |
Find Cheap Somerset, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Somerset, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Somerset, KY, take a look at the average cost for various violations versus rates for a clean driving record in Somerset.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,689 | $7,463 | $7,963 | $6,433 |
| Geico | $2,834 | $5,055 | $7,717 | $3,472 |
| Liberty Mutual | $3,496 | $5,358 | $4,172 | $3,719 |
| Nationwide | $3,914 | $5,093 | $6,470 | $4,320 |
| Progressive | $4,012 | $5,961 | $4,574 | $4,873 |
| State Farm | $2,928 | $3,431 | $3,179 | $3,179 |
| Travelers | $4,080 | $4,197 | $6,033 | $4,371 |
| USAA | $2,272 | $3,217 | $3,861 | $2,740 |
Find Cheap Somerset, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Somerset, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Somerset for less when you shop around and compare rates from multiple Somerset, KY auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,963 |
| Geico | $7,717 |
| Liberty Mutual | $4,172 |
| Nationwide | $6,470 |
| Progressive | $4,574 |
| State Farm | $3,179 |
| Travelers | $6,033 |
| USAA | $3,861 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Somerset, KY
Compare rates from the cheapest auto insurance companies in Somerset, KY for your needs. Take a look at how Somerset, Kentucky auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Somerset, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Somerset, KY auto insurance companies overall, you can compare them here. Find the best price for Somerset, Kentucky car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,887 |
| Geico | $4,769 |
| Liberty Mutual | $4,186 |
| Nationwide | $4,949 |
| Progressive | $4,855 |
| State Farm | $3,179 |
| Travelers | $4,670 |
| USAA | $3,023 |
What affects Somerset, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Somerset, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Somerset auto insurance rates.
Commute Times in Somerset
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Somerset, KY is 17.5 minutes according to City-Data.
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Compare Auto Insurance Quotes in Somerset, KY
You can buy cheap Somerset, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Somerset, Kentucky auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Somerset, KY?
To find cheap auto insurance in Somerset, KY, you can follow these steps:
- Compare quotes from multiple insurance providers: Obtain quotes from different insurers to compare prices and coverage options.
- Opt for higher deductibles: Increasing your deductible can lower your premium, but be sure to choose a deductible you can afford to pay.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations often results in lower insurance rates.
- Consider bundling policies: If you have multiple insurance needs, bundling your auto insurance with other policies, such as home or renters insurance, may lead to discounts.
- Ask about available discounts: Inquire with insurance companies about any discounts they offer, such as for safe driving, good grades (for student drivers), or vehicle safety features.
Are there any specific auto insurance requirements in Somerset, KY?
Yes, Somerset, KY, like other places, has specific auto insurance requirements. In Kentucky, drivers are required to have liability insurance, which covers the costs of injuries or property damage to others if you cause an accident. The minimum liability insurance limits in Kentucky are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
What factors can affect the cost of auto insurance in Somerset, KY?
Several factors can influence the cost of auto insurance in Somerset, KY, including:
- Your driving record: Drivers with a history of accidents or traffic violations often pay higher premiums.
- Vehicle make and model: Some cars are more expensive to insure due to their repair costs, theft rates, or safety ratings.
- Age and gender: Younger drivers, especially teenagers, generally face higher insurance rates. In some cases, males may also have higher premiums.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance premium.
- Location: Your ZIP code can impact rates due to factors like crime rates, population density, and traffic patterns.
Can I get auto insurance if I have a bad driving record or past accidents?
Yes, even if you have a bad driving record or past accidents, you can still obtain auto insurance coverage in Somerset, KY. However, insurance companies may consider you a higher risk and charge you higher premiums. It’s essential to compare quotes from different insurers to find the best coverage options available to you.
How can I lower my auto insurance premiums in Somerset, KY?
To lower your auto insurance premiums in Somerset, KY, you can:
- Maintain a good driving record: Avoid accidents and traffic violations.
- Consider a defensive driving course: Completing an approved defensive driving course may qualify you for a discount.
- Review your coverage and deductibles: Assess your coverage needs and adjust them accordingly.
- Ask about available discounts: Inquire with your insurance provider about discounts you may be eligible for.
- Improve your credit score: In some states, insurers use credit information to determine premiums, so maintaining a good credit score can be beneficial.
Can I purchase auto insurance online in Somerset, KY?
Yes, you can purchase auto insurance online in Somerset, KY. Many insurance companies offer online platforms where you can obtain quotes, compare coverage options, and purchase your policy conveniently from the comfort of your home. It’s advisable to research and choose reputable insurance providers with secure online payment systems to ensure the protection of your personal information.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.